Gloucester County, Virginia loan limits 2026
FIPS 51073 · 14 ZIP codes, e.g. 23001, 23003, 23018, 23061, 23062, 23072 · metro area (CBSA) 47260
In Gloucester County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $757,850. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Gloucester County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $757,850 | +3.3% |
| 2 units | $1,066,250 | $970,200 | +3.3% |
| 3 units | $1,288,800 | $1,172,750 | +3.3% |
| 4 units | $1,601,750 | $1,457,450 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Gloucester County is in metro area CBSA 47260; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $107,700 · Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $60,350 | $68,950 | $77,550 | $86,150 | $93,050 | $99,950 | $106,850 | $113,750 |
| Very low income (50%) | $37,700 | $43,100 | $48,500 | $53,850 | $58,200 | $62,500 | $66,800 | $71,100 |
| Extremely low income (30%) | $22,650 | $25,850 | $29,100 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,470/mo | $1,492 | -1.5% |
| 1 bedroom | $1,488/mo | $1,512 | -1.6% |
| 2 bedrooms | $1,667/mo | $1,713 | -2.7% |
| 3 bedrooms | $2,298/mo | $2,376 | -3.3% |
| 4 bedrooms | $2,710/mo | $2,797 | -3.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area.
Same metro area
Counties in CBSA 47260 share the same loan limits.
Other counties in Virginia
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Gloucester County, VA for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Gloucester County?
$757,850 for a single-family home in 2026 (HUD), up to $1,457,450 for a four-unit property.
What counts as a jumbo loan in Gloucester County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Gloucester County in 2026.
What are the HUD income limits in Gloucester County?
For a family of four (FY2026): low income $86,150, very low income $53,850, extremely low income $33,000; area median family income $107,700.
What is the fair market rent in Gloucester County?
$1,667 a month for a two-bedroom unit in FY2027 (HUD), $1,488 for one bedroom.